📈 Are you on track with the Baby Steps? Get a free personalized plan. Inflation is real right now . . . but we do have some things going for us. In this episode, Rachel and George reveal which things are cheaper now than they used to be, plus which purchases you can make that hold their value. Next Steps: 🎥 Watch our video What Will It Cost to Live…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Swapping sparklers for potato flakes for a budget-friendly wedding send-off might seem smart—until you end up covered in mashed potato. In this episode, Rachel and George react to real “frugal wedding fails” and share their take on what’s actually worth the money when planning yo…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Could your guilty pleasures—like fancy water or a fresh manicure appointment—actually be keeping you broke? Find out in this episode as Rachel and George reveal their own “guilty pleasure” purchases, plus react to some of yours. Next Steps: 🎥 Watch our video “Harmless” Purchases …

📈 Are you on track with the Baby Steps? Get a free personalized plan. Would you rather buy one pair of expensive designer shoes or get five cheap pairs in every color? In this episode, Rachel and George make their case for quality vs. quantity, plus help you decide when it’s best to splurge or save. Next Steps: 🎥 Watch our video “Harmless” Purchase…

📈 Are you on track with the Baby Steps? Get a free personalized plan. From Abercrombie jeans to Juicy Couture tracksuits, some things just felt fancier in the ’90s. In this episode, Rachel and George invite you to play along as they reveal the price of nostalgic status symbols and decide if they’re still worth the splurge today. Next Steps: 🎥 Watch…

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever wondered if you’re the one in the wrong in a sticky situation, we can relate. In this episode, Rachel and George react to messy money problems on Reddit—so tune in to find out who’s really the jerk. Next Steps: 🎥 Watch our video Things That Scream “I’m Pretending t…

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’ve ever left a comment on this show saying we’re out of touch, totally wrong or just plain crazy—we see you! 😅 In this episode, Rachel and George react to the hottest takes from our comments section to see if any of them might have a point. Next Steps: 🎥 Watch our video Ex…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Dropping $10 on latte art . . . Waste of money or totally worth it? In this episode, Rachel and George call out the dumbest things people spend money on, plus you’ll find out what questions to ask next time you’re tempted to splurge. Next Steps: 🎥 Watch our video Frugal Fails Tha…

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re willing to go into debt for limited-edition Mickey Mouse ears 🐭 . . . it’s time to stop the madness. In this episode, Rachel and George reveal Disney adults’ top hacks so you can enjoy the most magical place on Earth without breaking the bank. Next Steps: 🎥 Watch our vi…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Today’s special guests may not be old enough to drive a car, but they’ve got some serious money chops. In this episode, test your knowledge as Rachel and George quiz each other (and the Cruze kids!) on personal finance. Next Steps: 🎥 Watch our video Surprising Money Facts Everyon…

📈 Are you on track with the Baby Steps? Get a free personalized plan. If buying a house feels impossible, you’re In this episode, Rachel and George tackle your biggest housing questions and reveal which home upgrades are at the top (and bottom) of their list. Next Steps: 🎥 Watch the video “Harmless” Purchases That Drain Your Bank Account. 🏠 Pay off…

📈 Are you on track with the Baby Steps? Get a free personalized plan. “Does George Kamel even know how much things actually cost?” In this episode, Rachel and George react to savage comments and defend their controversial money takes with facts even the haters can learn something from. Next Steps: 🎥 Watch our video Revisiting Our Most Viral Financi…

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’d happily drive an extra 10 minutes to save 10 cents a gallon on gas—no judgment! In this episode, Rachel and George confess to money habits that don’t always make sense. Plus, they share what it means for you if you can relate. Next Steps: 🎥 Watch our video Revisiting Our…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Whether you’re a weekend DJ or assembling boxed furniture, extra money is extra money. In this episode, find out how to pick a good side hustle that makes the most of your time and talents. Next Steps: 💸 Take the quiz to find out what side hustles are best for you! 💰 Take the Mon…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Is dragging yourself to the airport at 4 a.m. for a $90 round-trip flight worth it? In this episode, Rachel and George weigh in on travel budget hacks you can try to save big on your next trip. Next Steps: 🏅Help us make the show better! Please fill out a quick survey. 🍸 Follow Sm…

📈 Are you on track with the Baby Steps? Get a free personalized plan. If you’re debt-free but holding onto that Disney credit card, you might be “Ramsey-ish.” In this episode, find out what that means for you and your finances. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour 📱 Submit a Guilty As Charged question for Rach…

📈 Are you on track with the Baby Steps? Get a free personalized plan. On a scale of cloth diapers to compost, how crunchy are you? In this episode, get Rachel and George’s take on popular “clean” products. Plus, find the best crunchy money-saving hacks out there. Next Steps: 🎥 Watch our video The #1 Budget Buster That No One Can Avoid. 🏅 Help us ma…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Nothing screams emergency fund like a full-scale raccoon home infestation. In this episode, Rachel and George share the weirdest things listeners spent their emergency fund on and the lessons we can learn from these scary stories. Next Steps: 🍸 Follow Smart Money Happy Hour on Ti…

📈 Are you on track with the Baby Steps? Get a free personalized plan. Today we’ve got two very special guests in the studio . . . Winston Cruze and Whitney Kamel! In this episode, Rachel, George and their spouses spill the tea on married life, money, and how the two mix. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 🍸 …

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Do you ever feel like the “poor friend” of the group struggling to keep up? In this episode, Rachel and George talk about money’s impact on different relationships so you can avoid relational drama. Next Steps: 🏅 Help us make the show better! Please fill out a quick survey. 💵 Star…

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Today we’re giving the people what they want: the man himself, Dave Ramsey. In this special episode, Dave plays 20 Questions with inquiries you submitted about his life, wealth and the things he won’t waste a dime on. Next Steps: 🏅 Help us make the show better! Please fill out a q…

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan Remember signing up for that “free” trial of Apple TV+ . . . and four years later, you’re still paying $9.99 a month for it? In this episode, Rachel and George reveal sneaky marketing tactics like this to help you avoid wasting money. Next Steps: 💵 Start your free budget today. Do…

💵 Start your free budget today. Download the EveryDollar app! If you love awkward silences, just try asking your blind date how much money he makes. In this episode, Rachel and George share hot takes on common taboo money topics, plus how you can avoid cringey situations. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. …

💵 Start your free budget today. Download the EveryDollar app! We all know that person who wears flashy designer logos like they’re personally endorsed by Michael Kors. In this episode, Rachel and George react to ways people pretend to be upper class and discuss how to be smart with your money instead. Next Steps: 🍸 Follow Smart Money Happy Hour on …

💵 Start your free budget today. Download the EveryDollar app! If you want to have a “new year, new you,” you have to do new things. In the first episode of the new year, Rachel and George share bad money habits you’ll want to ditch in 2025. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyhour. 📱 Submit a Guilty As Charged que…

💵 Start your free budget today. Download the EveryDollar app! It’s almost time to put out the flame on 2024, and we’re feeling reflective. In this episode, Rachel and George look back on the best (and worst 😅) Smart Money Happy Hour moments of the year, including money lessons you won’t want to forget in 2025. Next Steps: 🍸 Follow Smart Money Happy…

💵 Start your free budget today. Download the EveryDollar app! It’s easy to get caught up in holiday commercialism during the holidays—just ask the Grinch. In this festive episode, Rachel and George find money lessons in nostalgic Christmas movies that you can apply all year long. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhap…

💵 Start your free budget today. Download the EveryDollar app! When it’s 11:30pm and a snack is calling your name, do you go for McDonald’s French fries or a cheesy gordita crunch? In this episode, Rachel and George debate favorite fast-food and fast casual chains, plus you’ll learn which might be best for your budget. Next Steps: 🍸 Follow Smart Mon…

💵 Start your free budget today. Download the EveryDollar app! So, you booked all the Airbnbs for the group hiking trip, but that was two months ago, and Becky still hasn’t responded to your Venmo request? Awkward. In this episode, Rachel and George are responding to cringy financial faux pas you’ve experienced with friends. Next Steps: 🍸 Follow Sma…

🍸 Check out more episodes of Smart Money Happy Hour Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you’ve been looking for—plus great ideas for the one on your list who has everything. Rachel and George’s Gift Guide: Wine and Cocktail Lovers Cocktail shaker that…

💵 Start your free budget today. Download the EveryDollar app! Carefree (and kid-free) travel isn’t the only reason DINKs are living their best life. In this episode, Rachel and George get real about the cost of kids and how to know if you’re ready. Next Steps: 🎥 Watch our video Why Fewer People Are Having Kids Today. 📱Submit a Guilty As Charged que…

💵 Start your free budget today. Download the EveryDollar app! “Alexa, set a timer for tomorrow at 8 a.m. Alexa, turn the thermostat to 70 degrees. Alexa, can you make my budget?” Okay, maybe that last one is a stretch, but modern conveniences can be truly life changing. Find out Rachel’s and George’s take on what technology is worth the hype. Next …

💵 Start your free budget today. Download the EveryDollar app! Okay, so maybe you get a little carried away at Bath and Body Works, but at least you risk your financial future on a perm and hair products. In this episode, Rachel and George react to hilarious money fails you found on Reddit. Next Steps: 📱Submit a Guilty As Charged question for Rachel…

💵 Start your free budget today. Download the EveryDollar app! Today we’re setting the chrometophobes who haven’t been on a vacation since 2004 free! In this episode, Rachel and George are calling out the irrational money fears keeping you stuck—plus how you can overcome them. Next Steps: 🍸 Follow Smart Money Happy Hour on TikTok: @smartmoneyhappyho…

💵 Start your free budget today. Download the EveryDollar app! We all love the ‘80s (minus the shoulder pads and neon). But were ‘80s babies better off financially? Find out how your favorite decade stacks up against today when it comes to money. Next Steps: 💸 Invest in your future with a SmartVestor Pro! Ramsey Solutions is a paid, non-client promo…

💵 Start your free budget today. Download the EveryDollar app! On a scale of “water only at restaurants” to “extreme couponing,” how far would you go to save? Rachel and George weigh in on what savings hacks are really worth your time. Next Steps: 🎥 Watch our video Cheapskate or Resourceful? A Wake-Up Call With Sharon Ramsey 📱Submit a Guilty As Char…

💵 Start your free budget today. Download the EveryDollar app! Would you rather retire in style or broke? (All right, that’s an easy one.) In this episode, Rachel and George are putting you to the test with a financial twist on “Would You Rather.” Next Steps: 📱Submit a Guilty As Charged question for Rachel and George! Send a DM to @rachelcruze or @g…

💵 Start your free budget today. Download the EveryDollar app! Remember Horsegate? When George broke a girl’s heart with just three words: “Sell the horse”? Well in this episode, Rachel and George react to seven of their viral money moments like that one that got your attention. Next Steps: 🎥 Watch our video Explaining Our Most Hated Financial Advic…

💵 Start your free budget today. Download the EveryDollar app! Would you park a mile away to avoid pricey parking? Or let your home become a sauna to keep AC costs low? Just how far are you willing to go to save on cost of living? Stick around to hear some of the most extreme money-saving hacks out there. Next Steps: 🎥 Check out our video Girl Math:…

💵 Start your free budget today. Download the EveryDollar app! If you’d rather do literally anything else besides sit down and make a budget (including watching Frozen with your kids for the 10th time), then this one’s for you. In this episode, George and Rachel are responding to the most common excuses for not budgeting. Next Steps: 📗 Order George …

💵 Start your free budget today. Download the EveryDollar app! If you’ve ever dreamed of being a contestant on your favorite game show (and yelling “good answer!” at the top of your lungs), then today’s episode is the next best thing! Rachel and George are going head-to-head in our Financial and Fun game, so play along for some money- saving tips. N…

💵 Start your free budget today. Download the EveryDollar app! In this episode, we’re switching things up with a little help from our friends (that means you, #SMHHNation)! Rachel and George are here to weigh in on actual money questions submitted by YOU. Next Steps: · 🎥 Check out our video Explaining Our Most Hated Financial Advice. · 📱 Submit a Gu…

💵 Start your free budget today. Download the EveryDollar app! The smell of warm cookies, a hug from your bestie, American Idol b-roll—let’s face it, we all love feeling good! But in this episode, Rachel and George explore why dopamine overdosing doesn’t hit quite like it used to—plus how to regain everyday joy. Next Steps: · 🎥 Check out our video S…

💵 Start your free budget today. Download the EveryDollar app! We all love a good BOGO, but can you really spend your way into saving more? In this episode, Rachel and George help you identify common “spaving” tricks you may be falling for and how to break the cycle! Next Steps · Never heard of EntreLeadership before? Check out our podcast for busin…

💵 Sign up for EveryDollar today to create a free budget! We’ve all been guilty of some “stupid tax” moments, like that time you spent $75 on a velvet cat pillow (that you didn’t even use). In this episode, Rachel and George confess a few of their own epic money fails and react to some of yours! Next Steps · 📱Submit a Guilty As Charged question for …

💵 Start your free budget today. Download the EveryDollar app! Did you know there’s one expense that no one on the planet can avoid? And what if we told you the cost of that thing has risen by 26% in the last two years alone? If you’re starting to spiral, don’t panic! Today we’re talking grocery shopping pet peeves, takeout tips and other money and …

💵 Sign up for EveryDollar today to create a free budget! Are there things in life you wish you’d known sooner? Well, you’re in luck! Rachel and George are here with important life and finance lessons, revealing things they wish they’d known in their 20s. Next Steps 📱Submit a Guilty as Charged question for Rachel and George! Send a DM to @rachelcruz…

💵 Sign up for EveryDollar today to create a free budget! Consider this episode your crash course in investing! We get it—investing can be confusing. But don’t worry, Rachel and George are here to break it all down for you in a way that’s so simple even a five-year-old could understand. Next Steps 📱Submit a Guilty As Charged question for Rachel and …

💵 Sign up for EveryDollar today to create a free budget! Rachel and George have a hot topic on the agenda for this episode: Are Gen Zers just millennials . . . rebranded? Trends, tech, money habits—they’re comparing it all to find out if there really is a clear divide or if it’s just one big generational blur. Next Steps 📱Submit a Guilty as Charged…

💵 Start your free budget today. Download the EveryDollar app! In this episode, Rachel and George explore the realities of adulting. Spoiler alert: It’s not all fun and games, especially when it comes to those sneaky, money-related expenses. But, before you get too down, stick around because they’re sharing a special tip to instantly make adulthood …